Auto Insurance Question in Alabama AL
Reader’s Question
I just bought a new vehicle in Alabama and I was required to buy at least the liability coverage of auto insurance. What is covered in the liability insurance and why is it the most important?
Anna Susana
Birmingham, AL
Thanks for asking, Anna
The liability coverage in auto insurance is required because it backs you up with financial obligation during accidents. In other words, the authority is saying, “Hey, you need to be responsible for any accident you may cause on the road so better get auto insurance at least with the liability coverage”. It is important in auto insurance because it covers the liability you may have when you injure someone on the road. The other coverage in auto insurance such as collision and comprehensive protect the car when it gets damage and it can be bought on top of the liability insurance. In essence, the very basic auto insurance protects people rather than things and for me, it is a good thing. But if you want to protect your vehicle for damages during accident, it is better to buy auto insurance with collision and comprehensive coverage.
The liability coverage can be used to pay the medical bills or funeral of the person from whom you are liable. It can also be used to pay lawsuits when the injured person sues you in court. To have full liability coverage, some would buy an umbrella policy in their auto insurance. This covers liability if the underlying basic liability coverage does not suffice. You can add umbrella policy in your auto insurance in Alabama only by certain parameter in your existing liability coverage.
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